My HDFC history is like this (May 2024)
Jan - Got HDFC Swiggy (20k limit) as first card.
March - Mailed for LE but got declined.
March end - Opened Savings Max
May (Now) - have been maintaining 1.5L in Bank Account for 2 months and will continue to do so.
Also, been spending around 25k from CC every month. (Never exceeded 30% criteria)
DC spends are around 5k.
Q1) When can I expect a pre-approved offer for a core CC? And which card will it be?
Q2) When can I expect the LE offer on Swiggy CC?
Q3) Will it be better if I don’t wait for pre-approved and directly go to the branch and apply for C2C after, like, 1 month in June/July (provided I will have SBI Elite by that time) with a much better Limit than I have on any other card rn?
Q4) When can I expect to be promoted to Classic Criteria? And will it, anyhow, increase my chance to get a core credit card after cobranded one?
EDIT 1 (Oct 2025): It has been more than a year, and I think I have found the answer to my questions with time.
A1) If your Credit Card and HDFC account aren't linked... Only then can you expect an offer. Which was not my case.
A2) I didn't get any limit increase. And as my limit was so low... I can't expect HDFC to increase the limit over 10x to match my other cards... Hence, closed and thought to reapply after some time. (It is a better way to get LE)
A3) HDFC won't allow any CORE card as I already have a cobranded one. So, no help.
A4) I got promoted to classic very soon, but it didn't help either.
In Short, if you already have a cobranded HDFC card, HDFC won't allow you to get any core card. Hence, the only Option I think is best for getting a CORE card is to close the Cobranded one and apply for a CORE card, and then apply for a cobranded one again if you want.
Also, by Core here I mean Millennia and Above and not MB, Freedom, etc. As benefits from millennia and above are considerable enough to close a cobranded card and then apply for CORE again. I don't want the Core card just for the name.
Jan - Got HDFC Swiggy (20k limit) as first card.
March - Mailed for LE but got declined.
March end - Opened Savings Max
May (Now) - have been maintaining 1.5L in Bank Account for 2 months and will continue to do so.
Also, been spending around 25k from CC every month. (Never exceeded 30% criteria)
DC spends are around 5k.
Q1) When can I expect a pre-approved offer for a core CC? And which card will it be?
Q2) When can I expect the LE offer on Swiggy CC?
Q3) Will it be better if I don’t wait for pre-approved and directly go to the branch and apply for C2C after, like, 1 month in June/July (provided I will have SBI Elite by that time) with a much better Limit than I have on any other card rn?
Q4) When can I expect to be promoted to Classic Criteria? And will it, anyhow, increase my chance to get a core credit card after cobranded one?
EDIT 1 (Oct 2025): It has been more than a year, and I think I have found the answer to my questions with time.
A1) If your Credit Card and HDFC account aren't linked... Only then can you expect an offer. Which was not my case.
A2) I didn't get any limit increase. And as my limit was so low... I can't expect HDFC to increase the limit over 10x to match my other cards... Hence, closed and thought to reapply after some time. (It is a better way to get LE)
A3) HDFC won't allow any CORE card as I already have a cobranded one. So, no help.
A4) I got promoted to classic very soon, but it didn't help either.
In Short, if you already have a cobranded HDFC card, HDFC won't allow you to get any core card. Hence, the only Option I think is best for getting a CORE card is to close the Cobranded one and apply for a CORE card, and then apply for a cobranded one again if you want.
Also, by Core here I mean Millennia and Above and not MB, Freedom, etc. As benefits from millennia and above are considerable enough to close a cobranded card and then apply for CORE again. I don't want the Core card just for the name.
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